Make Your Next Financial Move with Confidence
Between caring for patients and managing personal obligations, your days can fill up fast, leaving little time for important tasks like managing your finances. That’s where we can help. We’ll work with you to create a holistic financial plan designed around you, your family, your practice and your future.
Our process helps you define your goals and explore custom solutions and strategies, so you can move forward with ease. When needed, an RBC Healthcare Specialist can bring together RBC resources and professionals to help you:
Balance debt with investing in your future
Plan for major life events
Secure financing to start or grow a practice
Integrate your personal and business finances
Incorporate your dental practice
Explore strategies to minimize taxes
Grow your money with confidence
Protect your assets for you and your family
Get support to balance your needs for today with your goals for the future. Feel confident in your financial plan and put some time back in your schedule—so you can focus on what matters most to you.
Financial advice and solutions for every stage of life
Let an RBC Healthcare Specialist engage all the right RBC professionals, tools and solutions to create a financial plan that checks every box for your life and business.
Based on your evolving needs and goals, they can help you:
- Find the right personal banking and credit solutions
- Build your investment portfolio and retirement plan
- Secure a mortgage for your home and investment properties
- Access private banking and wealth solutions when the time is right
- Build a lasting legacy for you and your loved ones
- Protect what matters most through estate and trust planning
Our specialists can also help you prioritize your short- and long-term financial goals in a way that balances your personal and professional needs.
From Starting a Practice to Retiring, we can help you every step of the way
Starting and running a practice is easier with the right support. Feel confident about your financial future, with advice and solutions that are designed around your unique needs.
No matter where you are in your career journey, your RBC Relationship Manager can build a tailored financial plan to help you achieve your business goals. They’ll work to help you:
- Create a customized business plan to help you start and grow your dental practice
- Get the best business account, line of credit and credit card for you
- Secure the financing you need to manage and expand your practice
- Set up cash management and payment solutions
- Explore opportunities to make your practice more efficient
- Plan for growth or business succession when the time is right
As your business adapts and grows, enjoy financial advice and solutions that do the same.
BUNDLE & SAVE
Unlock Exclusive Savings and
Preferred Borrowing Rates
Enjoy tailored solutions that cater to your personal and business needs.
Benefit from Offers and Services Beyond Banking
Owning and managing a dental practice requires more than traditional banking. When you choose RBC Healthcare, you unlock access to offers and solutions beyond banking—designed to simplify your daily tasks and save you time and money.
15% OFF
Get 15% off one-time fees and subscription fees at ClearDent, an all-in-one dental practice management software.2
SAVE 30%
Save 30% on ADP, so you can track employee hours and seamlessly integrate with your payroll services.3
FREE CONSULTATION
Find ideal practice locations, gain key client insights and stay on top of industry trends with intelligence from RBC Insight Edge.4
Get Advice and Solutions to Help Simplify Life and Business
Meet with one of our RBC Healthcare Specialists across Canada or speak with your RBC advisor.
- Get insights from advisors who understand the dental industry
- Explore personal and practice solutions designed for dentists
- Access the RBC professionals and solutions you need—in one place
RBC Healthcare Specialist
You can also call our support line at: 1-833-395-8118
Legal Disclaimer
No endorsement of any third parties or their advice, opinions, information, products, or services is expressly given or implied by Royal Bank of Canada or its affiliates.
Legal Disclaimer1)
Royal Bank “Prime Rate” means the annual rate of interest announced by Royal Bank of Canada from time to time as its reference rate then in effect for determining interest rates on Canadian dollar commercial loans made by the Bank in Canada. The current Royal Bank Prime Rate may be viewed here, and is subject to change at any time without notice. Prime minus 0.25% on the Royal Credit Line are available to clients participating in the RBC Healthcare Advantage program. The discounted rate is subject to change at any time without notice. On , the Royal Bank Prime Rate was .
Legal Disclaimer2)
RBC Healthcare Advantage Plan members will receive a 15% discount on any one-time fees with ClearDent’s Clinic Management Software and value-add solutions. An additional 15% off any recurring fees is available for a period of three (3) years from the service start date, after which ClearDent may offer its standard in-market pricing. For ClearDent customers with existing value-add solutions, the discount will only apply on the solution’s renewal date. ClearDent will not provide retroactive discounts. Offer may not be combined with any other ClearDent offer and is available until November 30, 2025. The customer must enroll for a minimum term of one (1) year from the date of enrollment. Prococious Technology Inc., not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. Prococious Technology Inc. does not make ClearDent products and services available to users in the Province of Quebec. For further details on ClearDent services, visit www.cleardent.com
Legal Disclaimer3)
New ADP clients in Canada and ADP Clients who have previously only obtained Complimentary Access to ADP HR AssistSM, that are referred by RBC and are members of RBC Healthcare Advantage, RBC Healthcare Advantage Pro or RBC Healthcare Advantage Private Banking Plans are eligible to receive a 30% discount in base fees and per employee per pay run fees when you are referred RBC by November 30, 2025 and have entered into ADP’s standard form services agreement by December 31, 2025. Free implementation is included with this offer. The discount is applicable for the lifetime of your relationship with ADP. Cannot be combined with any other promotions.
Legal Disclaimer4)
Free consultation available for any dentist.
33% discount on monthly subscription fee for the Commercial Version of Insight Edge available to eligible RBC clients who are Healthcare Professionals with an RBC business banking account. Offer available until December 31, 2025. Offer may be withdrawn at any time. Insights provided by RBC, in electronic or paper form (“Insights”) are for general guidance and informational purposes only. Insights are not intended to provide specific financial, investment, tax, legal, accounting or other advice, and they should not be relied on for any such advice. Not all guidance contained in Insights will be appropriate in all cases. Royal Bank of Canada does not offer guarantees of any kind, and is not responsible in any way for the content of Insights including opinions, information and resources offered. Royal Bank of Canada does not make any express or implied warranties or representations with respect to any Insights. Royal Bank of Canada will not be liable for any losses or damages arising from any errors or omissions in any information in Insights, or arising from any action or decision made by you in reliance on any Insights. Before implementing any strategy, you should speak to a professional advisor and create a plan that is designed to suit your requirements. These materials are provided by Royal Bank of Canada for general information purposes only.
33% discount on monthly subscription fee for the Commercial Version of Insight Edge available to eligible RBC clients who are Healthcare Professionals with an RBC business banking account. Offer available until December 31, 2025. Offer may be withdrawn at any time. Insights provided by RBC, in electronic or paper form (“Insights”) are for general guidance and informational purposes only. Insights are not intended to provide specific financial, investment, tax, legal, accounting or other advice, and they should not be relied on for any such advice. Not all guidance contained in Insights will be appropriate in all cases. Royal Bank of Canada does not offer guarantees of any kind, and is not responsible in any way for the content of Insights including opinions, information and resources offered. Royal Bank of Canada does not make any express or implied warranties or representations with respect to any Insights. Royal Bank of Canada will not be liable for any losses or damages arising from any errors or omissions in any information in Insights, or arising from any action or decision made by you in reliance on any Insights. Before implementing any strategy, you should speak to a professional advisor and create a plan that is designed to suit your requirements. These materials are provided by Royal Bank of Canada for general information purposes only.
RBC Homeline Plan
Finance important goals, improve your cash flow and save money. The RBC Homeline Plan combines an RBC mortgage and Royal Credit Line into one product that allows you to access the equity you have in your home.
Top Benefits
-
Low Interest Rate
Borrow at Prime - 0.25%1 with RBC Healthcare Advantage or RBC Healthcare Advantage Pro
-
Credit Grows with Your Equity
Borrow up to 80% of the value of your home—your credit grows as you pay down your mortgage
-
Apply Once, Borrow Again
Access credit when you need it—apply once and borrow without needing to reapply
Key Features
- Use your home’s equity for home improvements, education, debt consolidation or emergency readiness
- Only pay for the credit you use on your Royal Credit Line
- Easily access your credit through RBC Online Banking, the RBC Mobile2 app, RBC ATMs, branches or via cheque
- Choose to make interest-only monthly payments3 or pay off your balance in part or in full at any time
Legal Disclaimer1)
Prime–0.25% offer is available to Plan members. RBC Homeline Plan rate is an annual rate and is based on our Prime Rate - 0.250%. To view the current RBC Prime Rate, please go to www.rbcroyalbank.com/rates/prime.html(opens new window). Interest rate will change as our prime rate changes and without notice. On July 13, 2023, the Royal Bank Prime
Rate was 7.200%. This offer is only available to clients approved for a line of credit under the RBC Homeline Plan and does not apply to any other credit line product offered by Royal Bank of Canada including but not limited to a credit line secured by real property that is not part of an RBC Homeline Plan. To benefit from the Prime Rate – 0.25%, your mortgage must remain in good
standing.
Legal Disclaimer2)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Legal Disclaimer3)
The minimum payment is the accrued interest, service fees and any other charges that apply for that period, including your LoanProtector insurance premium and taxes, if applicable.
RBC VIP Banking Account
The most valuable features we offer in a single account.
This all-inclusive bank account is designed to simplify your everyday banking. And, if you’re an RBC Healthcare Advantage or RBC Healthcare Advantage Pro customer, we’ll waive the $30 monthly fee1,2.
Top Benefits
-
Low Interest Rate
Unlimited debit transactions worldwide3
Other Key Features
- Up to $120 rebate on the annual fee of an eligible premium credit card9
- No minimum balance required
- Overdraft protection fee waived10
- Choice of up to two additional Canadian and one U.S. personal account with monthly fees waived11
Legal Disclaimer‡
All other trademarks are the property of their respective owner(s).
Legal Disclaimer1)
The Monthly Fee is charged on the last day of the Month of your Account’s monthly cycle. If the last day is a non-Business Day, the fee is charged the previous Business Day. However, if the last day of your Account’s Monthly Cycle is a non-Business Day and falls at the beginning of the calendar month, then the Monthly Fee is collected the next Business Day.
Legal Disclaimer2)
A $30 monthly fee for the RBC VIP Banking account will be waived for the duration you are a Plan member. The $30 monthly fee will be automatically charged based on your next monthly cycle if you are no longer a Plan member. This offer shall not be combined with any other personal banking account offer or promotion. Only one fee waiver per client, no matter how many RBC VIP Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee waiver, all your eligible accounts with us must remain in good standing and you must have an active RBC VIP Banking account and an Eligible Credit Card that is active and in good standing at all times for the duration that you are a member of the Plan.
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking®, RBC Enhanced Savings® and RBC Day to Day Savings® accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account®, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking®, RBC Enhanced Savings® and RBC Day to Day Savings® accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account®, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
Legal Disclaimer3)
On operating account only. $1 per cross border debit transaction on companion accounts. Not available on U.S. Personal Account. Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Interac Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
Legal Disclaimer4)
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold.
Legal Disclaimer5)
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
Legal Disclaimer6)
With an RBC VIP Banking Client Card.
Legal Disclaimer7)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
Legal Disclaimer8)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.
Legal Disclaimer9)
Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC ION+TM Visa ($4 applied monthly), RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard.
Legal Disclaimer10)
Subject to credit approval. Overdraft Interest applies if used.
Legal Disclaimer11)
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account, with the monthly fees waived and unlimited debit transactions. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
RBC Credit Cards Eligible for Annual Fee Rebate
If you have an RBC VIP Banking account and one of the eligible credit cards below, you will receive either a partial or full rebate on the card’s annual fee each year—saving you up to $120/year!1.
Receive a partial rebate of $120 on the annual fee for the primary cardholder and $50 for the co-applicant for:
- RBC Avion Visa Infinite Privilege card
For those who want to start travelling in style with luxury travel perks - RBC British Airways Visa Infinite
For The British Airways flier who wants travel benefits and insurance
Receive a full rebate on the annual fee for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards:
- RBC Avion Visa Infinite
For those who want unparalleled travel flexibility with our most popular Avion travel credit card - WestJet RBC World Elite Mastercard
For the WestJet flier who wants access to more rewards and benefits
Legal Disclaimer1)
Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card and the RBC British Airways Visa Infinite, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, and WestJet RBC World Elite Mastercard.